Alisa Pankki Oyj
Alisa Pankki Oyj provides various banking and financial services to personal and business customers in Finland, Denmark, and Germany. The company offers saving accounts, fixed-term deposits, personal and corporate loans, credit cards, invoice financing, corporate financing, and payment services, as well as mobile and online banking. The company was formerly known as Fellow Pankki Oyj and changed … Read more
Alisa Pankki Oyj (ALISA) - Net Assets
Latest net assets as of June 2025: €35.06 Million EUR
Based on the latest financial reports, Alisa Pankki Oyj (ALISA) has net assets worth €35.06 Million EUR as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€349.57 Million) and total liabilities (€314.51 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €35.06 Million |
| % of Total Assets | 10.03% |
| Annual Growth Rate | -3.34% |
| 5-Year Change | 194.08% |
| 10-Year Change | -45.48% |
| Growth Volatility | 39.59 |
Alisa Pankki Oyj - Net Assets Trend (2009–2025)
This chart illustrates how Alisa Pankki Oyj's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Alisa Pankki Oyj (2009–2025)
The table below shows the annual net assets of Alisa Pankki Oyj from 2009 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €34.67 Million | -5.43% |
| 2024-12-31 | €36.66 Million | +42.55% |
| 2023-12-31 | €25.72 Million | -1.02% |
| 2022-12-31 | €25.98 Million | +120.40% |
| 2021-12-31 | €11.79 Million | -87.64% |
| 2020-12-31 | €95.40 Million | +16.63% |
| 2019-12-31 | €81.80 Million | +5.68% |
| 2018-12-31 | €77.40 Million | +6.76% |
| 2017-12-31 | €72.50 Million | +13.99% |
| 2016-12-31 | €63.60 Million | -9.45% |
| 2015-12-31 | €70.23 Million | +34.55% |
| 2014-12-31 | €52.20 Million | +7.19% |
| 2013-12-31 | €48.70 Million | -0.81% |
| 2012-12-31 | €49.10 Million | -3.00% |
| 2011-12-31 | €50.62 Million | -10.91% |
| 2010-12-31 | €56.81 Million | -4.81% |
| 2009-12-31 | €59.69 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Alisa Pankki Oyj's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 198.5% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Other Components | €50.30 Million | 145.08% |
| Total Equity | €34.67 Million | 100.00% |
Alisa Pankki Oyj Competitors by Market Cap
The table below lists competitors of Alisa Pankki Oyj ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Fortress Income Fund Ltd
JSE:FFB
|
$15.10 Million |
|
Enproserve Group Berhad
KLSE:0367
|
$15.10 Million |
|
WOLFTANK-ADISA HLDG O.N.
F:WAH
|
$15.10 Million |
|
CASTA DIVA GROUP S.P.A.
F:99C
|
$15.11 Million |
|
SAN-EL Muhendislik Elektrik Taahhut Sanayi ve Ticaret AS
IS:SANEL
|
$15.09 Million |
|
Essar Shipping Limited
NSE:ESSARSHPNG
|
$15.09 Million |
|
Laser Photonics Corporation Common Stock
NASDAQ:LASE
|
$15.09 Million |
|
VARIOUS EATERIES LS -01
F:63U
|
$15.08 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Alisa Pankki Oyj's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 36,663,000 to 34,672,000, a change of -1,991,000 (-5.4%).
- Net loss of 2,105,000 reduced equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €-2.10 Million | -6.07% |
| Other Changes | €114.00K | +0.33% |
| Total Change | €- | -5.43% |
Book Value vs Market Value Analysis
This analysis compares Alisa Pankki Oyj's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.00x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has increased from 0.06x to 1.00x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-12-31 | €2.75 | €0.16 | x |
| 2010-12-31 | €2.61 | €0.16 | x |
| 2011-12-31 | €2.36 | €0.16 | x |
| 2012-12-31 | €2.27 | €0.16 | x |
| 2013-12-31 | €2.25 | €0.16 | x |
| 2014-12-31 | €2.22 | €0.16 | x |
| 2015-12-31 | €3.19 | €0.16 | x |
| 2016-12-31 | €2.76 | €0.16 | x |
| 2017-12-31 | €3.10 | €0.16 | x |
| 2018-12-31 | €3.24 | €0.16 | x |
| 2019-12-31 | €3.25 | €0.16 | x |
| 2020-12-31 | €3.75 | €0.16 | x |
| 2021-12-31 | €0.27 | €0.16 | x |
| 2022-12-31 | €0.34 | €0.16 | x |
| 2023-12-31 | €0.29 | €0.16 | x |
| 2024-12-31 | €0.29 | €0.16 | x |
| 2025-12-31 | €0.16 | €0.16 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Alisa Pankki Oyj utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -6.07%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -9.41%
- • Asset Turnover: 0.07x
- • Equity Multiplier: 8.82x
- Recent ROE (-6.07%) is below the historical average (5.85%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | 4.94% | 4.46% | 0.09x | 11.82x | €-2.95 Million |
| 2010 | 4.26% | 3.46% | 0.10x | 11.81x | €-3.17 Million |
| 2011 | 5.70% | 4.53% | 0.11x | 11.64x | €-2.15 Million |
| 2012 | 3.32% | 3.11% | 0.09x | 12.36x | €-3.22 Million |
| 2013 | 10.48% | 8.58% | 0.10x | 12.08x | €230.00K |
| 2014 | 13.36% | 11.07% | 0.13x | 9.61x | €1.71 Million |
| 2015 | 16.64% | 17.55% | 0.10x | 9.16x | €4.58 Million |
| 2016 | 15.19% | 15.66% | 0.08x | 11.95x | €3.28 Million |
| 2017 | 23.32% | 22.69% | 0.08x | 13.42x | €9.54 Million |
| 2018 | 20.97% | 22.44% | 0.09x | 10.69x | €8.37 Million |
| 2019 | 21.47% | 21.72% | 0.09x | 11.53x | €9.19 Million |
| 2020 | 23.70% | 26.64% | 0.11x | 8.36x | €12.66 Million |
| 2021 | -13.27% | -19.77% | 0.35x | 1.90x | €-2.74 Million |
| 2022 | -40.74% | -86.15% | 0.04x | 11.22x | €-13.18 Million |
| 2023 | -0.54% | -0.63% | 0.07x | 12.15x | €-2.71 Million |
| 2024 | -3.28% | -3.83% | 0.07x | 12.29x | €-4.87 Million |
| 2025 | -6.07% | -9.41% | 0.07x | 8.82x | €-5.57 Million |
Industry Comparison
This section compares Alisa Pankki Oyj's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $273,149,333
- Average return on equity (ROE) among peers: 8.69%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Alisa Pankki Oyj (ALISA) | €35.06 Million | 4.94% | 8.97x | $15.10 Million |
| Aktia Bank Abp (AKTIA) | $383.69 Million | 9.91% | 23.86x | $499.45 Million |
| Alandsbanken Abp B (ALBBV) | $233.63 Million | 8.86% | 21.91x | $518.42 Million |
| Oma Saastopankki Oyj (OMASP) | $202.13 Million | 7.31% | 8.56x | $297.09 Million |